What If I've Got Bad Credit? | Stable Vehicle Contracts
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What If I've Got Bad Credit?

If you have bad credit, or your finance application is rejected, there is still a possibility that you'll be approved in the future. Read this guide if you're concerned about your finance situation.

What if I’ve got bad credit?

Audi and Volkswagen both require a good-great credit score in order to take a car on a lease deal. If you don’t feel that your credit score would pass a credit check, you can use a third-party service like Experian to see the quality of your credit score.

If your credit score is bad, there are a number of ways that it can be improved, but your credit score does improve over time, so you might be more successful in the future.

What should I do if I get rejected?

If you’re rejected once, it’s best to check your credit file straight away. If you apply a second time and get rejected again, this can look like a rejection pattern that will look bad for any future applications. Your lender should be able to tell you which credit reference agency they used, so you’ll be able to focus on that one.

Remember that your credit score does improve over time, so if you feel you’re unlikely to pass and your credit report is showing that you don’t have a good-great credit score, it may be better to wait and try again in the future.

If you want some tips on how to improve your credit, click here.

Hopefully, this guide will have answered any questions you have about Bad Credit. If not, please feel free to call us on 0151 728 4711. If you would like to view our latest Audi and Volkswagen contract hire offers please click here.


This article does not constitute advice, it is for information purposes only.  You should contact the finance company for personalised advice for your specific circumstances.

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